Household debt ratio in Spain Q1 2007-Q3 2022

On average, the value of the outstanding debt of Spanish households in the third quarter of 2022 was slightly lower than their gross disposable income. In other words, the indebtedness ratio was below, but close to 100 percent. These figures have been stable since 2019, but before that the debt ratio had been decreasing fast. While in 2007 household debt represented a 140 percent of household income, it has decreased since then. In contrast, the household gross savings rate in Spain peaked in 2020 after the outbreak of the COVID-19 pandemic.

在2022年第三季度，西班牙家庭未偿还债务的平均值略低于其毛可支配收入。换言之，债务负担比率虽低于但接近百分之百。自2019年起，这些数据保持稳定，然而在此之前的债务比率曾急剧下降。以2007年为例，家庭债务占家庭收入的140%，自此之后，这一比率有所下降。相反，在COVID-19疫情爆发后，西班牙家庭的毛储蓄率于2020年达到峰值。